Investors

Match Money isn’t just a bespoke solution for businesses seeking finance. It is also an opportunity for investors to make very attractive returns on their capital. If you are fed up with financial products which seem to benefit everyone but you and savings account rates which do not even protect the real value of your money then MatchMoney offers a bespoke alternative for investors too.

The market for non-bank loans to businesses in the UK and USA is now dominated by Peer to Peer platforms which do offer an attractive rate of return for investors. However, in many cases, the investor is not able to specify exactly which businesses his money is lent to. In those cases he is not an active investor and relies on the Peer to Peer platform to invest his money wisely.

At MatchMoney we are different because we match investors EXCLUSIVELY with people who run their own businesses. Before introducing any borrower we ensure that we fully understand the needs of the business and also how the money will be used. That process ensures that we only select the best and safest lending opportunities to introduce to our investors.

MatchMoney documents the whole transaction and perfects the security but the loan agreement is made directly between the investor and the borrower. The loans are always fully secured, usually by mortgage against real estate or by charges over other suitable collateral. Polish law allows the lender to effectively take provisional ownership of the assets offered as security for the duration of the loan with absolute ownership passing automatically if the borrower defaults. It is also possible, by notarial deed executed before the loan is granted, for a borrower to voluntarily submit to enforcement. That deed greatly simplifies and speeds up the process of foreclosure.See exactly how we work »

Using our services you will receive:

Selected and verified financing proposals,

Professional due diligence of the entity applying for a loan, covering legal compliance, financial standing and accounting analysis along with an independent professional valuation of the security offered,

Assessment and selection of collateral based on valuations and recent sales history of equivalent assets,

Debts secured against collateral valued AT LEAST twice the total amount of the loan,

Legal assistance at every stage of the transaction (including the preparation of agreements, legal structure, perfecting securities and the services of a notary public),

Regular monitoring of the borrower’s business during the life of the loan,

Interest rates which are much higher than those offered by banks and similar institutions,

Reduced risk due to the quality of security demanded, the low (50% or less) Loan to Value ratio and MatchMoney’s policy of obtaining multi-level security for each transaction,

Monthly interest payments during the term of the loan, normally with the capital repaid at the end of the term,

The opportunity to spread your risk by lending in consortium with other investors.,

Discretionary investment periods. Loans are generally repayable in less than 12 months and you can set the maximum term for your investment,

No costs. MatchMoney does not charge investors any fees.

Borrowers

At MatchMoney we are all businessmen so we understand that running your own business sometimes poses challenges which require quick action and a flexible approach to problem solving.

Regardless of whether your company has passed through a difficult time, you need additional capital for growth or there is a transaction that needs to be completed “yesterday”, we are ready to help you.

We look your business as a whole. Therefore, any arrears of tax or social insurance (ZUS), adverse credit history (BIK) or lack of creditworthiness are not necessarily obstacles for us.

What can you expect?

Clear rules

While we are preparing your loan proposal, you will know in advance who will finance it and according to what terms. We want the loan to satisfy your targets and goals while, at the same time, ensuring that the lender’s capital is properly secured. In most cases, loans are secured against real estate, but we do not exclude other forms of collateral. The terms of business are always determined during our first meeting.

Clear costs

The total cost of a loan is established individually and will vary according to what the money is needed for and how the loan is secured. In any event you can expect that the interest rate will not be greater than 16% per annum.

Quick decision

Within 48 hours of submitting the documents and basic information requested by MatchMoney you will be provided with clear information on what the next steps will be and how long they will take to complete. There will be no undue delays and simple rules will apply.

Flexible terms

Once the loan is drawn down you just pay the interest each month. The loan itself is only repaid at the end of the term. In certain circumstances we can agree alternative repayment patterns. We are mainly focused on timely service of the borrowed amount and security - both for the borrower and for the investor.

Types of collateral accepted for security

We accept practically any type of a real estate as a collateral, both developed and undeveloped. Apartments, houses, commercial buildings, building plots and agricultural land are all acceptable collateral. Any other form of collateral will also be considered, either in addition to or as an alternative.

Financing period

The loans are granted for a maximum period of 12 months. You decide how long you need the loan for. You can always repay the loan early if you choose to, without penalty. We can discuss extending the term of the loan if you need further financing when the capital is due to be repaid.

Individual approach

MatchMoney provides and alternative to bank finance. Frequently, our work starts when a bank refuses, for whatever reason, to support your business.

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